MPI Autopac – Manitoba
As your local insurance experts, we know that each vehicle in Manitoba is unique in its own way. From those who commute to work in Winnipeg every day to those who are out on the prairie open road catching sunset views, we’ve got you covered.
We understand it’s vital to protect what’s most important to you and your family. Our expert insurance advisors are here to ensure you’re protected and have peace of mind on the road, so you can focus on the important things.
MPI Autopac in Manitoba, explained
When you buy car insurance in Manitoba, you will purchase basic mandatory coverage provided by Manitoba Public Insurance (MPI) at any of our Manitoba locations.
Manitoba vehicle owners can purchase basic insurance from MPI. This includes coverage for Personal Injury, All-Perils Insurance, and Third-Party Liability.
You can also choose to add optional vehicle insurance to your policy in Manitoba, like Increased Third-Party Liability or Reduced Deductibles.
This covers your vehicle and any equipment that’s permanently attached against accidental loss or damage in Canada or the U.S. This includes damage from collision, upset (like if your vehicle tips or rolls over), and other instances such as vandalism, theft, hail, and fire.
Basic Autopac insurance also includes some protection against loss of use if your vehicle is stolen or accidentally damaged, provided you are not at fault.
Standard Third-Party Liability includes protection if you’re held legally responsible for damage or injuries to others within Canada and the U.S.
Personal Injury Protection Plan (PIPP) extends to all Manitoba residents that are injured in a vehicle accident anywhere in Canada or the U.S. This coverage also extends to visitors in Manitoba who are injured in an accident. For Manitobans, there’s no reduction in the level of this benefits even if you’re partially or fully at-fault for the incident.
This protects incomes beyond $115,000 up to a limit of your choice, if your income is lost due to a debilitating injury. This is an add-on to the income replacement residents are eligible for through the Personal Injury Protection Plan (PIPP).
Caters to Manitoba residents with collector vehicles. The Collector Vehicle Program (CVP) offers year-round insurance that reflects the infrequent use of collector cars, and the advanced care and maintenance they require. The program offers Basic all-perils insurance protection throughout the year, with the convenience of not having to switch to lay-up or another insurance product in the winter months.
Under basic Autopac Insurance, the maximum insured value for a vehicle is $70,000. Residents with vehicles valued over this maximum insured value may consider adding Excess Value coverage to their policy to ensure they’re adequately reimbursed for their vehicle, should they be involved in an insured loss.
Basic Autopac Insurance includes some coverage for loss of use under all-perils coverage. Vehicle owners can enhance their Loss of Use coverage for the option to rent a vehicle with coverage for up to $56/day, up to a maximum of $1,680 (after tax).
Basic Third-Party Liability insures up to $500,000 for claims made. With increased coverage you can increase your coverage to a maximum of $10 million. Increased Liability coverage is strongly recommended.
Ideal for those planning to park their vehicle, Lay-Up provides coverage for accidental loss or damage, such as fire, theft, vandalism, hail, and lightning.
New Vehicle Protection covers the full purchase price of your vehicle including an allowance for inflation – meaning you will be fully covered for a new car.
Leased Vehicle Protection is similar. If the vehicle is written off any reimbursement from your insurer will go to the dealership or leasing company, leaving you without financial compensation. By adding this optional coverage to your policy, your downpayment or trade-in allowance will be covered.
The basic deductible for most vehicles is $750. With this optional coverage, you can lower your deductible to $500, $300, or $200.
Get affordable coverage for vehicles you may rent across Canada or the U.S.
How much is Autopac Insurance in Manitoba?
Vehicle insurance premiums in Manitoba largely depends on the vehicle you drive, your driving history, and more. The best way to see what your car insurance rate in Manitoba will be is to start a quote
Factors that determine the cost of Autopac Insurance in Manitoba
Your car
Your premium will be impacted by the type of car you drive. Factors include its safety rating, the general cost of repairs, and the likelihood of being involved in a collision or theft.
Your driving history
Convictions like speeding tickets, at-fault collisions, and other driving infractions will also impact how much you pay for car insurance in Manitoba.
What you use your vehicle for
Insurance rates differ depending on what you use the policy for, affecting your likelihood of a claim.
Discounts on Manitoba vehicle insurance
Manitoba operates on a Driver Safety Rating (DSR) system to promote safe driving habits by recognizing those with good driving history. Each driver’s position on the DSR scale depends on their driving record – driving safely will move your position up, and signs of high-risk driving like traffic convictions, at-fault claims, distracted or impaired driving will move you down.
Why choose Westland for your Manitoba Autopac Insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized car insurance coverage. in Manitoba to suit your lifestyle.
We're here for you when you need us most
When it comes to the claims process, we advocate for our clients and take the stress off them during a tough time.
We work hard to make things simple
Whether it comes to finding the right vehicle insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Get coverage that goes further with Westland Insurance
Example of a car insurance claim
You are on your way with your kids to a hockey tournament and you stop at a drive-thru to pick up breakfast. You drop your wallet and when reaching for it, hit the accelerator and your vehicle crashes into the building damaging your car and the commercial building. What now?
Parts of your car insurance policy will spring into action to help.
Collision Deductible
The collision is your fault, and you will be responsible to pay your policy deductible. Fortunately, you purchased a lower deductible option and instead of the basic $750 deductible you will only have to pay $200 to the autobody shop when the repairs are completed.
Loss of Use
The vehicle sustained significant damages and is undriveable. You rely on your vehicle and purchase the Loss of Use coverage allowing you to rent a vehicle. The car rental agency near you has a comparable vehicle available and you are back on the road the same day.
Third-Party Liability
You will be responsible for the property damage to the commercial building. Your Third-Party liability insures you against claims others make against you.
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FAQs about vehicle insurance in Manitoba
Is vehicle insurance mandatory in Manitoba?
Yes. Vehicles must have a basic insurance policy provided by Manitoba Public Insurance (MPI). A basic policy includes coverage for Personal Injury, All-perils insurance, and Third-Party Liability.
How much is car insurance in Manitoba?
Your vehicle insurance premium in Manitoba largely depends on the vehicle you drive, your driving history, and more.
What is the most common Manitoba car insurance coverage?
Many drivers opt for Increased Third-Party Liability for the added peace of mind when driving outside of the province.
What are car insurance costs most affected by?
The cost of car insurance in Manitoba is most affected by the type of car your drive, your driving history, where you live, and how often you drive.
Other types of vehicle insurance available in Manitoba
Motorcycle insurance
Offers coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Best suited for those with a taste for adventure, get an off-road vehicle insurance policy for your snow mobile or all-terrain vehicle.
Rental car insurance
A more cost-effective alternative to getting insurance through the rental company, while still getting the protection you need.
RV insurance
With similar coverages to car insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial car insurance
Whether you have one commercial vehicle or a fleet, we have the commercial car policy you need.
Buy MPI Insurance in Manitoba with confidence
Looking for vehicle insurance in Manitoba? Contact Westland insurance to get your vehicle insurance quote today. Our advisors are ready to help you get the vehicle insurance policy you need for peace of mind.
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